CRED: Credit Card, Bills & UPI 4+

pay anyone, earn rewards


    • 4.8 • 2K Ratings
    • Free



Pay all your bills instantly. Earn rewards and assured cashback. And that's just one of the many reasons millions of members prefer paying on CRED.

Pay all your bills instantly. Make payments at stores and to contacts via UPI. Earn rewards and assured cashback every time. And that's just one of the many reasons millions of members prefer paying on CRED.

The right app to pay your credit card bills online is here.

Use CRED coins earned from paying your bills to win big prizes and unlock access to products at member-exclusive prices, it's that simple.

→ CRED pay: Scan any QR code and pay instantly via UPI to earn assured rewards every time

→ Pay anyone via UPI: Pay saved contacts or others via their phone number or UPI ID.

→ Pay bills instantly: Pay all your bills, including ones for electricity, mobile, credit card rent and more for assured rewards and cashback

→ Payment reminders: get credit card bill payment reminders that ensure you never miss your due date and thus get on track to improve your credit score

→ Hidden charges: automatically detect hidden charges and get alerted on duplicate transactions in your credit card account

→ Win rewards: win exclusive rewards by using the CRED coins earned from pay your bills

→ Manage multiple credit cards: make seamless payments from CRED for all your credit cards

→ Spend analysis: complete track of where you spent from your credit card with easy to read spend analysis charts

How to be a CRED member?

→ CRED is built for rewarding creditworthy individuals in India. To become a CRED member, you need a credit score of 750+

→ The process is simple → Download CRED → Fill your name, mobile number & email ID → Get a free credit score report

→ If your credit score is 750+, you will get a prompt to verify your credit card details

→ That's all, you can start paying your credit card bills and earn CRED coins with every payment

What is a credit score (cibil report) & what are the basics?

→ The credit score is calculated based on the data that is provided by the lending institutions (typically banks, NBFCs) to the bureaus (typically CRIF, Experian)

→ A credit score indicates your creditworthiness to potential lenders such as banks & mortgage lenders. It indicates how responsible you are likely to be in paying off your loans

→ Each credit score has a different scale: For example, CRIF has a range of 300-900 while Experian has a range of 300-850.

→ A score of 700+ on CRIF & Experian is considered to be good.

→ A higher credit score is an indicator of good financial behaviour.

How to monitor credit score using CRED?

→ Download CRED & signup using your full name and mobile number to get your first credit score result on CRED.

→ Keep making credit card bill payments on CRED to get CRED coins.

→ Use the CRED coins to refresh your credit score every month. Get insights that help you improve your credit score with time.

What all credit scores are shown on CRED?

There are 4 credit bureaus in India - Experian, Equifax, CRIF and CIBIL. CRED can showcase your CRIF, Experian and Equifax credit scores and helps track these credit scores individually.

What credit cards are supported on CRED?

SBI, HDFC, Axis, Kotak, Standard chartered, American express, Yes bank, HSBC, IndusInd, RBL, Bank of Baroda, Kotak Mahindra, Bank of India plus all VISA, MasterCard, American Express and Discover credit cards.

Will using a credit card hurt my credit score?

As long as you make credit card bill payments within the "grace period" of 25-30 days, you don't have to pay extra. If you go longer, though, you'll have to pay interest. Defaulting on your credit card payments could negatively hurt your credit score, so make sure you make bill payments on time.

Will using CRED help improve my credit score?

→ CRED will help you make bill payments on time with scheduled reminders. Timely bill payments have a positive effect on improving your credit score. By acting on these reminders and paying your bills, you'll be improving your credit score over time just like millions of other CRED members.

What’s New

Version 4.0.4

you are dumber than you think.
that's the one line summary of the Dunning-Kruger effect.
once aware of this bias, it's very likely that you will always doubt your instincts till you see actual evidence.
which is why we want to make it clear: with this release, we've removed bugs and made significant changes that perfect your CRED experience.
so if you feel like your experience has improved, give yourself some credit.
because in this case, your instincts aren't wrong.

Ratings and Reviews

4.8 out of 5
2K Ratings

2K Ratings

Dana Cutter ,

Never let me down

Have always helped me remind of payments, provided cash back, quick payments and good offers and products. I remember I once had an issue with a merchant which did not deliver the product and I lost my cred points for it, when I raised it with cred later, they did restore my points too.

Amarjoth ,


While most features on the platform perform as expected and I have never faced any difficulties with the core competency of making online credit card payments.
On the other hand, travel bookings are horrendous! I made booking on the platform, received a confirmation email and 3 days before travel I get a notification that the vendor cancelled the booking. How can the company provide a confirmation email without ensuring availability of rooms? To add to the matter the vendor had rooms available on their own website but apparently had none for CRED customers. While the provided me an “alternative” the alternative was half the price and the company expected me to take this alternative at the same price point.
Finally, the customer care representatives do not have the courtesy to refer to customers as ‘sir’ or ‘maam’ and have the audacity to refer to a customer by their first name without even asking for basic permission.
I have always been a promoter of the brand believing it is Unicorn from India and I wanted to support the brand but I never expected such poor service and customer service.

Akhilesh.Review ,

Payment did not go through

I made my first payment on CRED and the amount was charged from my bank, but the payment was not done to the card. It was a big amount, well at least for me and now I will get it back in my account after several days. What the hell!!!
First of all you have a policy that whoever has a good cibil score are eligible and now this the service you give to people who work hard to maintain their cibil and pay their dues within time.
My credit card payment has never bounced. This is the first time it happened.
Very disappointing CRED.
For any startup’s service should be top notch because people trust in you but this ain’t the case here.

App Privacy

The developer, Dreamplug, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Contacts
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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